About Us
Who We Are
A boutique fee-only fiduciary RIA built on one conviction — healthcare professionals deserve a wealth partner who truly understands their career.
Our Mission
Serving the complete healthcare spectrum since 2014.
Founded in 2014, Cognis Retirement Group is a boutique fee-only Registered Investment Advisor dedicated exclusively to healthcare professionals. We believe physicians, surgeons, nurses, and allied health workers deserve institutional-grade wealth management — built around the realities of medical careers.
Our approach pairs a disciplined, low-cost public market core with elite private market access, comprehensive household planning, and a fiduciary commitment that never wavers. No commissions. No conflicts. Just advice that puts you first.
Fiduciary Standard
We are legally and ethically obligated to act in your best interest at all times — no commissions, no product sales, no conflicts of interest.
Fee-Only Transparency
Our compensation comes solely from client fees. You always know exactly what you pay and exactly what you receive in return.
Healthcare Specialization
Over a decade serving the healthcare spectrum — from residents and new grads to established physicians approaching retirement. We understand your career arc.
Institutional Access
We pair a low-cost public market core with elite private market opportunities historically reserved for institutional investors and ultra-high-net-worth families.
How We Work
Our Fiduciary Process
A disciplined four-step cycle that organizes your financial life, formalizes a personalized plan, implements it with precision, and monitors it continuously.
Step 01
Organize
- Discover client needs and objectives
- Obtain sufficient quantitative information about the client
- Analyze information to fully understand client's financial situation
- Evaluate client's goals, needs, and priorities vs. client's resources
- Set client risk/return expectations
Step 02
Formalize
- Consider relevant alternatives to the client's current course of action
- Generate recommendation(s) based on the selected alternative(s)
- Communicate the recommendation(s) to assist the client in making an informed decision
- Disclose and discuss fees associated with recommended products
- Develop Investment Policy Statement (IPS)
Step 03
Implement
- Create strategic asset allocation tailored to client's specific needs
- Run quantitative & qualitative ETF fund analysis
- Prudently select ETF funds
- Implement client's strategic asset allocation
Step 04
Monitor
- Review portfolio performance to IPS
- Review individual ETF funds to benchmark & prospectus
- Review client's goals & objectives for possible changes
- Update as needed
- Document client review
Ready to experience the Cognis difference?
Schedule a complimentary consultation and see how our fiduciary process can work for your healthcare career.
Schedule Free Consultation